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Financial Highlights
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Latest On:
Period Ended
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 5,528,772 5,018,756 4,899,012 4,132,281 3,984,403
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Total Net Loans 3,640,397 3,604,510 3,571,642 3,108,574 3,026,496
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Total Deposits 4,411,115 4,075,894 3,975,559 3,315,634 3,231,653
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Equity Attributable to Parent Company 693,750 657,983 600,764 502,507 442,438
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Total Equity 693,750 657,983 600,764 502,507 442,438
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Profitability (%)
Net Income($000) 47,249 89,352 70,002 54,310 52,128
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Net Income Attributable to Parent($000) 47,249 89,352 70,002 54,310 52,128
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ROAA 1.81 1.80 1.63 1.33 1.36
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Core ROAA 1.33 1.81 1.88 1.43 1.31
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ROAE 13.69 14.01 13.62 11.02 12.09
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ROATCE 16.63 17.44 16.21 13.07 14.76
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Core ROAE 10.12 14.08 15.75 11.83 11.70
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Net Interest Margin 3.31 3.59 3.54 3.46 3.50
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Reported: Net Interest Margin 3.33 3.59 3.54 3.46 3.50
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Efficiency Ratio 51.72 50.22 49.75 51.34 54.40
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Noninterest Inc/ Operating Rev 28.67 29.07 30.50 31.62 31.74
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Balance Sheet Ratios (%)
Loans/ Deposits 83.10 88.71 90.19 94.31 94.18
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Securities/ Assets 19.60 17.73 16.67 15.23 13.56
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Total Equity/ Total Assets 12.55 13.11 12.26 12.16 11.10
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Tangible Equity/ Tangible Assets 10.62 10.98 10.01 10.46 9.30
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Tang Common Equity/ Tang Assets 10.62 10.98 10.01 10.46 9.30
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Asset Quality (%)
NPAs/ Assets 0.82 0.91 1.09 1.12 1.19
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NPA Excl Restructured/ Assets 0.32 0.32 0.39 0.34 0.46
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NPAs & 90+ PD/ Assets 0.82 0.92 1.09 1.13 1.20
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NPAs/ Loans & REO 1.24 1.26 1.49 1.48 1.55
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Nonaccrual & 90+ & OREO/ Assets 0.32 0.33 0.40 0.34 0.47
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NPAs & 90+ PD/ Loans & REO 1.24 1.27 1.49 1.49 1.57
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NPA & Loans 90+/ Tangible Common Equity + LLR 7.59 8.38 10.85 10.55 12.47
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NCOs/ Avg Loans 0.08 0.09 0.02 0.13 0.13
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Loan Loss Reserves/ Gross Loans 0.69 0.32 0.45 0.60 0.65
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Reserves/ NPAs 55.49 25.31 29.93 40.55 41.64
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Loan Loss Provision/ NCO NM (39.97) NM 77.08 112.23
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Capital Adequacy
Tier 1 Common Capital (CET1)($000) 548,972 532,640 493,945 430,154 371,677
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Tier 1 Capital($000) 548,972 536,640 497,945 446,154 387,677
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Tier 2 Capital($000) 20,241 11,651 16,275 19,138 20,729
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Total Capital($000) 569,213 548,291 514,220 465,292 408,406
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Total Risk-weighted Assets($000) 3,410,589 3,319,405 3,266,914 2,842,453 2,787,217
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Tier 1 Common Capital (CET1) Ratio(%) 16.10 16.05 15.12 15.10 13.34
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Tier 1 Ratio(%) 16.10 16.17 15.24 15.66 13.91
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Total Capital Ratio(%) 16.69 16.52 15.74 16.34 14.65
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Liquidity Coverage Ratio(%) NA NA NA NA NA
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Leverage Ratio(%) 10.45 10.98 11.44 11 10.08
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Basel III Leverage Ratio(%) NA NA NA NA NA
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Per Share Information ($)
Common Shares Outstanding(actual) 16,076,733 16,303,439 16,555,145 15,618,029 15,128,433
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Avg Diluted Shares(actual) 16,142,000 16,333,000 15,439,000 15,436,000 14,913,000
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Basic Book Value per Share 43.15 40.36 36.29 32.17 29.25
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Book Value per Share, As Reported 43.15 40.36 36.29 32.17 29.25
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Basic Tangible Book Value per Share 35.72 32.98 28.87 27.14 24.01
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Tangible Book Value per Share, As Reported 35.72 32.98 28.87 27.14 24.01
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Common Dividends Declared per Share 1.14 2.20 1.98 1.78 1.72
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EPS after Extra 2.90 5.42 4.49 3.48 3.45
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EPS after Extra Growth(%) 8.20 20.70 29 0.90 (2.30)
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Core EPS 2.14 5.45 5.20 3.74 3.34
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Core EPS Growth(%) (20.80) 4.80 39.10 12.10 10.90
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Diluted EPS before Amortization 2.95 5.54 4.52 3.51 3.49
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Pre-Provision Earnings per Share 2.52 5.31 5.02 3.69 3.37
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Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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